This report presents findings of a examine
of Financial institution lending to small and medium enterprises (SME) in
Serbia. The examine makes use of methodology developed by the Financial institution
and already utilized in quite a lot of research in South America.
The examine is predicated on solutions to plain questionnaires and
detailed on-site interviews with eight banks. The
interviewed banks are essentially the most energetic in SME lending in
Serbia and account for about 70 % of the overall market.
Banks are presently providing a reasonably broad vary of each
tailor-made and standardized merchandise and are more and more
versatile with product pricing. This contains checking,
financial savings and time deposit accounts; export and import loans;
overdrafts for working capital and funding loans;
enterprise bank cards; varied forms of cost providers;
Web and cellphone banking. The report is organized as
follows: part two describes the banking sector and
markets in Serbia, critiques definition of SMEs and offers
key traits of the SME finance market in Serbia.
Part three discusses particulars of SME entry to finance. It
describes the drivers and obstacles, authorities packages,
and traits of the market surroundings. Part 4
focuses on how banks have interaction in lending to SMEs, describing
their enterprise fashions and their danger administration. Part
5 offers quite a lot of conclusions on the circumstances of
entry and future developments.
“World Financial institution. 2012. Financial institution Lending to Small and Medium Enterprises : The Republic of Serbia. Washington, DC. © World Financial institution. https://openknowledge.worldbank.org/deal with/10986/12796 License: CC BY 3.0 IGO.”